Mortgage Solutions, Mortgages in Canada – Mortgage Brokers Ottawa #regions #mortgage


#mortgage solutions

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Choosing the right mortgage solution can be an overwhelming task. At Mortgage Brokers City Inc. we take the time to learn about your unique situation and future financial goals. Each one of our professionally trained Mortgage Agents makes getting to know you and your requirements their top priority. It is only after learning about what is most important to you and assessing your individualized goals that we can make a strong recommendation based on your circumstances. There are a variety of mortgage options available to you. But which one should you choose? Open or Closed? Conventional or High Ratio? Fixed or Variable Rate? The combinations are endless and that is where our expertise and experience can guide you to make the choice that fits for you and your family.

Contact us

  • Mortgage Brokers City Inc
  • 788 Island Park Drive, Ottawa K1Y 0C2
  • Phone: 613-798-1973 | Fax: 1-866-354-6789

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Industry Partners

Mortgage Brokers City Inc. License #11759 Mortgage Brokers City is a franchise of The Mortgage Centre. Each Mortgage Centre office is independently owned and operated.


Home mortgage loans #hud #reverse #mortgage


#home mortgage loans

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FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so your lender can offer you a better deal.

  • Low down payments
  • Low closing costs
  • Easy credit qualifying

What does FHA have for you?

Buying your first home?
FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price. Available on 1-4 unit properties.

Financial help for seniors
Are you 62 or older? Do you live in your home? Do you own it outright or have a low loan balance? If you can answer yes to all of these questions, then the FHA Reverse Mortgage might be right for you. It lets you convert a portion of your equity into cash.

Want to make your home more energy efficient?
You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.

How about manufactured housing and mobile homes?
Yes, FHA has financing for mobile homes and factory-built housing. We have two loan products – one for those who own the land that the home is on and another for mobile homes that are – or will be – located in mobile home parks.

Ask an FHA lender to tell you more about FHA loan products.
Find an FHA lender

Need help with your downpayment? State and local governments offer programs that can help. Find a program near you .


Streamline Refinance Your Mortgage #obama #mortgage


#streamline mortgage

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Streamline Your FHA Mortgage

Streamline refinance refers to the refinance of an existing FHA-insured mortgage requiring limited borrower credit documentation and underwriting. Streamline refinances are available under credit qualifying and non-credit qualifying options. Streamline refinance refers only to the amount of documentation and underwriting that the lender must perform, and does not mean that there are no costs involved in the transaction. The basic requirements of a streamline refinance are:

The mortgage to be refinanced must already be FHA insured.

The mortgage to be refinanced must be current (not delinquent).

The refinance results in a net tangible benefit to the borrower. The definition of net tangible benefit varies based on the type of loan being refinanced, and the interest rate and/or term of the new loan.

Cash in excess of $500 may not be taken out on mortgages refinanced using the streamline refinance process.

Lenders may offer streamline refinances in several ways. Some lenders offer no cost refinances (actually, no out-of-pocket expenses to the borrower) by charging a higher rate of interest on the new loan than if the borrower financed or paid the closing costs in cash. From this premium, the lender pays any closing costs that are incurred on the transaction. FHA does not allow lenders to include closing costs in the new mortgage amount of a streamline refinance. Investment properties (properties which the borrower does not occupy as his or her principal residence) may only be refinanced without an appraisal.

Detailed instructions to the lenders are contained in HUD Handbook 4000.1, II.A.8.

Contact your lender to get started. You can find your lenders contact information by clicking on our List of approved lenders.


A Guide to Getting Your First Mortgage #reverse #mortgage


#getting a mortgage

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A Guide to Getting Your First Mortgage

Before committing to a mortgage, make sure you meet with several lenders or brokers and weigh your loan options. (iStockPhoto)

To buy your first home. you likely will need a mortgage. In fact, before you even start looking at houses, you should look into your mortgage prospects.

If you have good credit, a healthy income and money in the bank, you’ll be able to secure mortgage preapproval quickly and proceed straight to the homebuying process. But if you have less-than-stellar credit, are self-employed or have little cash to bring to the table, you’ll want to start the process way before you look at houses – maybe more than a year before.

“You have to get a copy of your credit report,” says Don Frommeyer, chief executive officer of the National Association of Mortgage Professionals and a mortgage broker in Indianapolis. “You have to know what’s in there.”

The free credit report you can get annually, while it helps you identify problems, won’t show you the same credit score your mortgage officer will see. “The score is invariably higher than what you get when someone in the mortgage company runs it,” says Casey Fleming, author of “The Loan Guide: How to Get the Best Possible Mortgage” and a mortgage broker in the San Francisco Bay Area.

That makes meeting with a mortgage officer (or two or three) at the start of the process crucial. In competitive markets, agents won’t even show homes to buyers without mortgage preapproval.

Be prepared to produce documents, and lots of them, starting with several years of tax returns and many months of bank statements. Lenders will want proof of your income, and they will want to know about all your debts. They also will want to know the source of any big deposits. If your parents give you money for a down payment, they will need to write a letter documenting that.

The other thing you’ll need, besides documents, is money – and lots of it. You’ll need money for your down payment, closing costs and more than a year’s worth of taxes and insurance payments, for a start. Lenders will also want to see that you have adequate reserves in case you lose your job or the furnace breaks down.

“What happens if you have to buy a new furnace?” Frommeyer says. “There are always added costs when you buy a house.”

Financial experts disagree over how much money you need for a down payment. While 20 percent is often considered a rule of thumb. you can buy a house with as little as 3.5 percent down with a Federal Housing Administration mortgage, 5 percent with a conventional mortgage or nothing down with a VA loan available to military veterans.

But the less you pay down, the bigger your monthly payment will be. Plus, if our down payment is less than 20 percent of the purchase price, you’ll have to pay private mortgage insurance or the FHA equivalent, known as mortgage insurance premium.

The PMI can add about $92 a month, for example, to $475 principal and interest payments on a $96,500 loan to buy a $100,000 house. With 20 percent down, the principal and interest payment on that house is only $373 a month, at 4.25 percent. FHA mortgages also require an upfront MIP payment equal to 1.75 percent of the purchase price.

You may also get a lower interest rate with a higher down payment. “The less you put down, the more expensive the mortgage insurance is and the higher the interest rate,” Fleming says.

Here are 12 things to know before getting your first mortgage:

Meet with a mortgage officer before looking at homes. This will help you determine whether you have credit problems that need to be solved first. It will also let you know how much house you can afford before you begin your search.

Pay off as much debt as you can first. This will help keep what’s known as your debt-to-income ratio down. Lenders look at your income and all your debts – student loans, car payments, credit card debt – to determine how much you can afford to borrow. If your total debt, with the new house payment, would be more than 43 percent of your income, you’re unlikely to get the loan. Some lenders may want a lower ratio.

Develop good credit habits way before you plan to buy. Missing payments on student loans or habitually paying your bills late will lower your credit score and make borrowing for a home impossible or more expensive. Once a bill goes into collections, it can take months or years to recover from the damage.

Consider consolidating or refinancing student loans. If you can’t pay off student loans before you buy a home, investigate whether you can lower your payments. You’ll have to decide whether it makes sense to stretch student loan payments over more years to buy a home sooner.

Show a solid work history. If you’ve just finished graduate school in engineering and gotten your first engineering job, a lender may not care that you don’t have two years of work history. But if you’ve just left graduate school and gone to work at Starbucks, you’ll have a hard time getting a mortgage until you’ve had that job for two years. That goes for part-time jobs, too. However, taking a part-time job on the side and using the money to pay down debt or add to your cash reserves may be helpful even if the lender isn’t willing to consider that income.

Be prepared to document everything. You’ll need tax returns, bank statements, brokerage statements and documents to verify the source of any money you plan to use. The lender will also verify your employment and income, once at the beginning of the process and again a day or two before closing.

Don’t buy anything on credit or apply for any credit while your loan is pending. You may be tempted to buy new furniture for your new home and put it on a credit card. Or, perhaps you realize you’ll have enough cash left for a down payment on a new car. “Once we start this process, don’t spend a dime that you don’t have, don’t put anything on credit cards, don’t apply for any credit,” Fleming warns. Otherwise, you may jeopardize the deal.

Talk to several lenders or mortgage brokers. Not all lenders offer the same loans, so it makes sense to shop around. Be careful that you’re comparing apples to apples. All lenders let you choose whether you’d like to pay more upfront, in the form of “points,” to get a lower interest rate. If a lender offers you a “no closing costs” loan, find out where you’re being charged extra to compensate for that.

Shop for closing agents. The actual closing costs, such as document preparation, legal fees and title insurance, vary considerably. In a state where those costs are high, you can save several thousand dollars on the transaction by choosing a different closing agent. Ask both your real estate agent and mortgage officer for recommendations, as well as friends and family.

Make sure you have enough cash to cover all your costs . In addition to closing costs charged by the lender and the closing agent, you’ll need to pay for a home inspection, an appraisal, a survey and city, county or state transfer taxes. Not only that, most lenders ask for at least a year’s worth of homeowners insurance and property taxes upfront.

If you’re self-employed, prepare to jump through more hoops. People who own small businesses often can’t qualify for a mortgage until they’ve been in business two years, though exceptions are likely for professionals, such as doctors, who leave a staff position and become self-employed in the same field. Most self-employed professionals write off enough expenses on their taxes to make their adjusted gross income much lower than their actual income. The lender will consider that lower number your income.

The house may also have to qualify. If you’re getting an FHA mortgage, the house has to meet certain standards. Lenders may also set standards for home conditions for conventional mortgages. Plus, the house has to be insurable.


Mortgage Points Calculator – Chase Mortgage #freedmont #mortgage


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If you live outside the United States, please visitwww.chase.com/IFS to learn more about Chase International Financial Services.

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Ameriquest closes, Citigroup buys mortgage assets #mortgage


#ameriquest mortgage

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Ameriquest closes, Citigroup buys mortgage assets

A logo of Citigroup is shown surrounded by the reflection of financial buildings in Hong Kong January 19, 2006. Citigroup Inc, the largest U.S. bank, said on Friday it agreed to buy the wholesale mortgage lending and payment collection assets of Ameriquest’s parent, ACC Capital Holdings, for an undisclosed price.

By Jonathan Stempel | NEW YORK

NEW YORK Ameriquest Mortgage Co, the largest U.S. subprime lender as recently as 2005, is closing, the latest home loan provider to shut down amid the nation’s housing market slump.

Citigroup Inc ( C.N ), the largest U.S. bank, said on Friday it agreed to buy the wholesale mortgage lending and payment collection assets of Ameriquest’s parent, ACC Capital Holdings, for an undisclosed price.

The acquisition includes the right to collect payments on, or service, $45 billion of loans. About 2,000 employees work for that operation. A small amount of other loans and assets were also included.

Ameriquest was the first major subprime lender to downsize in the current housing cycle, deciding in May 2006 to close all 229 retail branches and cut 3,800 jobs.

Since then, subprime lenders, which make loans to people with weak credit, have faced a downturn. Home prices have declined, defaults have risen and investors have stopped buying many home loans that were being made.

Many subprime lenders have filed for bankruptcy protection in the last year, sold themselves or shut down.

U.S. President George W. Bush said on Friday the government would try to keep some borrowers from defaulting, but would not bail out lenders.

Trouble in the subprime mortgage market has spread to other debt markets, including loans used to finance leveraged buyouts, creating big headaches for many commercial and investment banks.

ACC “is preparing the orderly wind down of its retail mortgage business, which is no longer accepting applications,” spokesman Chris Orlando said.

Billionaire Roland Arnall, now the U.S. ambassador to the Netherlands, founded ACC in 1979, and his wife, Dawn, is ACC’s chairman, according to their official U.S. government biographies. Roland Arnall remains the company’s principal owner, Orlando said.

Citigroup obtained an option to buy the assets in February as part of an agreement to provide funding to keep Orange, California-based ACC in business.

Citi said in a statement it would expand its efforts to make sure distressed borrowers get to stay in their homes.

Jeffrey Perlowitz, New York-based Citigroup’s head of global securitized markets, said in a statement the transaction “allows Citigroup to secure valuable and scalable platforms in a market undergoing significant change.”

ACC Vice Chairman Adam Bass in a statement called the transaction “a positive step” for customers and employees.

ACC’s spokesman Orlando declined to disclose Ameriquest’s recent loan volumes.

Citigroup’s purchase is scheduled to close on Saturday.

(Additional reporting by Dan Wilchins)


Types of mortgages #mortgage #underwriter #jobs


#types of mortgages

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TYPES OF MORTGAGES AVAILABLE

This section consists of two parts.

The first part deals with the difference between a conventional mortgage and a high-ratio mortgage.

Part two deals with the different types of mortgages available. However, these are fairly generic explanations – just as there are many different lending institutions. so there are almost as many different varieties of mortgages available. This is another good reason to consult a mortgage broker. Depending on your situation, one type of mortgage may be better for your circumstance than another.

CONVENTIONAL MORTGAGE

If you have at least 25% of the purchase price (or appraised value if this is lower than the purchase price) as a downpayment. you can apply for a conventional mortgage.

Some lenders will require CMHC insurance because of the property’s location or type, even though you have 25% or more equity.

HIGH-RATIO MORTGAGE

If you have between 5% and 25% of the purchase price as your downpayment. you can apply for a high-ratio mortgage. Usually these have to be insured through CMHC (Canada Mortgage and Housing Corporation) or GE (GE Capital). These are mortgage insurance companies. Purchasing insurance is a common way of qualifying for a mortgage when you have less than 25% equity. The insurance premium is charged only once (per mortgage), when the mortgage funds are advanced. You can pay the premium yourself, but most people choose to add the funds on top of the mortgage.

Loan to Lending
Value Ratio

0 to 65%
65.1 to 75%
75.1 to 80%
80.1 to 85%
85.1 to 90%
90.1 to 95%

Please note: Insurance premiums are higher when there is more than one advance. This usually happens if you are building your house or having it built for you. Check with your mortgage broker to learn what the applicable premiums will be.

The insurance premium is calculated by multiplying the mortgage amount needed by the applicable percentage.

For example: If the purchase price is $112,000 and the required mortgage is $100,000. You divide 100,000 by 112,000. This equals 89.29%.

Looking at the above chart – the premium is 2.50% when the lending ratio is 89.29%.

The next step is to multiply the mortgage amount by the insurance premium. Using our example this means $100,000 X 2.50% = $2,500. Your actual mortgage loan will therefore be $102,500.

CMHC’s 5% DOWNPAYMENT PROGRAM was originally for first-time homeowners, but was expanded in May 1998 and is now available to all purchasers (principal residence only) who meet the normal requirements.

Under this program, CMHC sets maximum purchase prices depending on location. In Toronto, Calgary, Vancouver and Victoria the purchase limit is $250,000. In other areas where average house prices tend to be high, and in northern areas, the maximum is $175,000. Everywhere else the maximum is $125,000.
Check with your mortgage broker to learn what the price limits are in your area.

If the property is a duplex (and you are buying both sides), with one side being owner occupied, the minimum downpayment is 7.5%.

Mortgage brokers and lenders must verify that the borrower has the 5% downpayment and 1.5% of the purchase price to cover closing costs. The only exception to the 1.5% is when the purchaser qualifies for an exemption of the Land Transfer Tax (Ont.) or Property Transfer Tax (B.C.), or similar provincial tax exemption. In these cases the mortgage broker or lender must ensure that there are sufficient funds available to cover all remaining closing costs. It is also possible to finance the closing costs over 12 months as long as the payments fit inside the 40% TDS ratio.

OPEN MORTGAGES

An open mortgage allows you to pay off part or the entire mortgage at any time without penalties. Open mortgages usually have short terms of six months or one year. The interest rates are higher than those for closed mortgages with similar terms.

VARIABLE RATE MORTGAGES / ARM (ADJUSTABLE RATE MORTGAGES)

At the start of a variable rate mortgage, the lender will calculate a mortgage payment that includes principal & interest. For the term of the mortgage your payments usually do not change. However, as the prime rate changes so will your mortgage rate.

If interest rates are dropping, less of each payment will go toward interest and more will go toward principal. If interest rates rise, more of your payment will be interest and less money will be reducing your principal.

Some of these mortgages are completely open (you can pay off all or part of your mortgage at any time without penalties ). Others that offer a ‘prime minus’ interest rate (e.g. prime – 0.375%) may charge a penalty.

The interest rate on most variable rate mortgages is compounded monthly.

CAPPED RATE MORTGAGES

These are variable rate mortgages that the lending institution has rate ‘capped’. In other words, the rate will fluctuate with prime, but the institution guarantees that you will not pay more than a certain interest rate, set by them.

These mortgages often have a penalty for early ‘payment in full’ and are often not portable.

CLOSED MORTGAGES / FIXED RATE MORTGAGES

The expression ‘closed mortgage’ originates from the 1980’s when this type of mortgage was literally ‘closed’. You contracted to the lender to make your payments for the term chosen, you could not pay anything additional, nor could you pay off the entire amount for any reason except the sale of your property.

These days, there are many ways to pay down your mortgage principal quicker, though the name ‘closed’ mortgage still remains. See pre-payment options for ways to pay off your mortgage quicker.

Fixed rate mortgages are the most popular type of mortgage. You benefit from the security of locking in your mortgage interest rate. for lengths of time ranging from 3 months up to 25 years. The rates are slightly lower than for an open mortgage for the same term.

If you think interest rates could rise, you may want to choose a longer term, such as a 5 or 10 year term. If you think that rates are going lower, you may want to gamble on a shorter length of time. Discuss this with your mortgage broker.

The major lending institutions have different pre-payment options allowed under their contracts. These options allow you to pay off your mortgage faster. It is also possible to pay off most closed mortgages prior to the end of the term or pay down a portion of the balance owing. However, lenders charge penalties for doing so.

Please note that some lending institutions will not give any pre-payment options. It is wise to find out what options are available before entering into any mortgage contract.

CONVERTIBLE MORTGAGE

These are fixed rate mortgages for terms of 6 months or 1 year. Not all lending institutions offer convertible mortgages. With a convertible rate mortgage you can lock into a longer term during the current term of your mortgage without penalty – but only with the same lender. For example, if after a couple of months you hear that interest rates are going to increase, you may change to a longer term mortgage such as the 5 year term.

REVERSE MORTGAGE

CHIP – Canadian Home Income Plan is the name of the company providing reverse mortgages in Canada.

A reverse mortgage allows homeowners to convert equity in their homes into cash, without selling the property or having to make monthly payments.

To qualify, homeowners must be at least 62 years old, have significant equity in their property and live in B.C. or Ontario.
The amount that can be borrowed depends on the homeowner’s age. Reverse mortgages are for between 10% and 40% of the appraised value of the home. The older the homeowners, the more they can borrow.

The homeowner retains ownership and possession of the house. The lending company registers a reverse mortgage against the property. At death, or when the house is sold, the loan and the accrued interest must be repaid.

The biggest disadvantage to reverse mortgages, is that the interest keeps building on the amount of money borrowed (hence the maximum 40% loan). This means that if you borrow $50,000 this year and your interest bill is $5,000, next year your interest will be charged on $55,000 and so on. The longer the loan is in place, the greater the interest bill that has to be paid.

It is possible that when the house is sold, 100% of the proceeds from the sale may be required to pay off a loan.
If the homeowner dies the estate will have to pay off the loan and the accrued interest. This may wipe out any inheritance for the homeowner’s heirs.

An alternative is to establish an equity credit line. This allows you to take funds only as you need them, thereby owing the least interest possible, with no surprises.
Consult with a financial advisor for more alternatives.

2000 award enterprises inc.

Mortgage Capital Associates Inc Review – Mortgage Lender in San Diego, CA – BBB Business


#mortgage capital associates

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Mortgage Capital Associates Inc

This company offers residential lending and real estate marketing services.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB Complaint Information

Find aggregate BBB complaint information for Mortgage Capital Associates Inc. BBB of Los Angeles and Silicon Valley has the full report as that BBB handles all complaints for Mortgage Capital Associates Inc.

Government Actions

BBB knows of no government actions involving the marketplace conduct of Mortgage Capital Associates Inc.

Advertising Review

BBB has nothing to report concerning Mortgage Capital Associates Inc s advertising at this time.

Additional Information

BBB file opened: декабря 18, 2012 Business started: 05.23.1994 in CA Business started locally: 01.01.2011 Business incorporated 05.23.1994 in CA

Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Nationwide Mortgage Licensing System

Nationwide Mortgage Licensing System

Department of Corporations
320 W 4th St Ste 750, Los Angeles CA 90013
http://www.corp.ca.gov
Phone Number: (866) 275-2677
The number is 4130479.

Type of Entity
Business Management

Mr. Aaron Bembaron, Partner Ms. Lauri Bembaron, Partner

Contact Information

Principal: Mr. Aaron Bembaron, Partner

Number of Employees
Business Category

Mortgage Lender Mortgage Brokers Mortgage Bankers Marketing Consultants Real Estate Consultants Consultants – Social Media Online Social Media/Networking Real Estate Services

Industry Tips

Nfcu mortgage rates #bad #credit #mortgage


#nfcu mortgage rates

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Current Rates

1 APY = Annual Percentage Yield. Must meet account qualifications to earn APY. Limited to one per member. Click here for account details.

2 APR = Annual Percentage Rate. Rates shown are the lowest rates offered for the advertised product. Applicants who are not approved at these rates may be offered a higher rate. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved. Subject to the VISA Advantage terms and conditions and VISA Signature Elite terms and conditions. Please refer to your VISA Signature Benefits Guide for full details on your benefit program. All loans are subject to credit approval.

3 APR = Annual Percentage Rate. 0.99% APR is fixed for the first 6 months. Rate floor is the Prime Rate, currently 3.25%. Rates are based on the Prime Rate published in the Wall Street Journal plus a margin of up to 2.5%. Any changes to the Prime Rate within the month as published in the WSJ will result in a change to a borrower’s rate effective the first of the following month. Rate will revert to as low as Prime once the 6 month introductory period has expired. Rates shown are the lowest rates offered for the advertised product. Not all applicants may qualify for a special introductory rate; applicants who have previously received an introductory rate on a NEFCU Home Equity Line of Credit do not qualify for this offer. Applicants who are not approved at these rates may be offered a higher rate. The maximum APR imposed under the plan will not exceed 18%.

4 APR = Annual Percentage Rate. Rates shown are the lowest rates offered for the advertised product. Applicants who are not approved at these rates may be offered a higher rate. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved.

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2016 NEFCU. All rights reserved. For information, call (516) 561-0030.


Mortgage Capital Associates Inc Mortgage Reviews – Ratings #vanderbilt #mortgage


#mortgage capital associates

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Mortgage Capital Associates Inc Reviews Ratings

Harry Gatewood and his team were hands on when working with my loan and provided excellent customer service to expedite my mortgage transaction. I got a great rate as promised and was even able to close earlier than originally expected. I plan on working with him and his team at MCA again in the future. more

Harry Gatewood and his team were hands on when working with my loan and provided excellent customer service to expedite my mortgage transaction. I got a great rate as promised and was even able to close earlier than originally expected. I plan on working with him and his team at MCA again in the future. more

By Jon (St Petersburg, FL)

Reviewed on: 6/2/2016 9:26:04 AM

I have worked successfully with MCA on 3 transactions. In each instance, they were professional, pleasant, and proficient. Follow through, answering questions, updates, etc. were consistent throughout the entire process. Great rates + No Fees + Competent Individuals at MCA = Successful Close! more

I have worked successfully with MCA on 3 transactions. In each instance, they were professional, pleasant, and proficient. Follow through, answering questions, updates, etc. were consistent throughout the entire process. Great rates + No Fees + Competent Individuals at MCA = Successful Close! more

By Tdunne (Denver, CO, United States)

Reviewed on: 11/9/2015 9:13:06 AM

By Christina0000 (Seattle, WA)

Reviewed on: 12/17/2015 1:06:16 AM

Ken helped me purchase a home in a sellers market with a difficult seller. He was always responsive and quick to help address issues that came up. He provided very high level of service, which was surprising considering how low Mtg. Capital’s rates and fees are. more

Ken helped me purchase a home in a sellers market with a difficult seller. He was always responsive and quick to help address issues that came up. He provided very high level of service, which was surprising considering how low Mtg. Capital’s rates and fees are. more

By Happy in Davis (Davis, CA, United States)

Reviewed on: 9/15/2014 5:47:07 PM

Official reply from Mortgage Capital Associates Inc

Your responses will help to shape the future of our service and our overall way of doing business. We appreciate your time and effort in providing feedback to us.